489 Co Rd 39, Waterloo, IN 46793 Property Records

DeKalb County property record for 489 Co Rd 39, Waterloo, IN 46793

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,016 sqft · built 2008
Lot Size	1.69 acres (73,791 sqft)
Owner	2 Individual Names on File
Last Sale	$22,900 (Jul 2008)
Tax Bill	$2,315 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-02-03-400-008.000-018`

Property Details

APN / Parcel Number

Primary APN	`17-02-03-400-008.000-018`
Alternative APN	`100203400008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
1st Floor Area	2,016 sqft
Basement Area	2,016 sqft
Finished Basement	1,613 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2013
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	73,791 sqft (1.69 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	984 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	100203400008
Street Address	489 COUNTY ROAD 39
City	WATERLOO
State	IN
Zip	46793-9777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEHMAN ACRES LOT 2 ACRES 1.694
Legal Subdivision	LEHMAN ACRES
Legal Lot Number	2
Jurisdiction	DE KALB IN
Township / Civil Division	SMITHFIELD
Census Block Group	3
Census Block	3005
Census Tract	20100

Owner

Source: DeKalb County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	489 COUNTY ROAD 39, WATERLOO, IN 46793-9777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2008 · Amount on File
Deed Sale	Jul 7, 2008 · Amount on File
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	489 COUNTY ROAD 39, WATERLOO, IN 46793-9777
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202005721
Date	Sep 15, 2020
Instrument	202005721

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	DeKalb County
County Subdivision	Smithfield Township
Unified School District	DeKalb County Central United School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,315.00 (+2.16%)	$487,100 (+8.82%) Land $36,800 Building $450,300	$487,100 (+8.82%) Land $36,800 Building $450,300
2024	$2,266.00 (+8.63%)	$447,600 (+3.8%) Land $35,400 Building $412,200	$447,600 (+3.8%) Land $35,400 Building $412,200
2023	$2,086.00 (-5.1%)	$431,200 (+11.65%) Land $33,400 Building $397,800	$431,200 (+11.65%) Land $33,400 Building $397,800
2022	$2,198.00	$386,200 Land $29,000 Building $357,200	$386,200 Land $29,000 Building $357,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2009)
Most Recent Claim	Mar 2009 · Severe Storms, Tornadoes, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20
Lakeland Internet Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed, Steuben County REMC, Watch TV.

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